Compare Bank & Credit Union Rates
Best CD rates in Tampa, FL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 61–73 results in Tampa, FL
- 1.85%APY$761 over 48 months on $10,000intro rate
Requirements
Product: Penalty will be imposed for early withdrawal. Overall APY 1.85%. Rates current as of 9/17/2026.
Offer: Next 12 months (months 13-24). Overall APY for full 48-month term is 1.85%. Penalty for early withdrawal.
Promotional rate · 1.80% interest rate · Effective Sep 17, 2026
Rate checked
More details - 1.85%APY$960 over 60 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/6/2026.
Offer: Penalty will be imposed for early withdrawal.
1.85% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for CD Balance APY $1,000 – $100,000Your amount 1.85% $100,000 and up 1.95% Rate checked
More details - 1.85%APY$960 over 60 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.85% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (5 year) Balance APY $1,000 – $100,000Your amount 1.85% $100,000 and up$100k+ balance tier. 1.95% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 7 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.65%APY$590 over 42 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.65% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (42 Mos) Balance APY $1,000 – $100,000Your amount 1.65% $100,000 and up$100k+ balance tier. 1.75% Rate checked
More details - 1.53%APY$308 over 24 months on $10,000with conditions
Requirements
Product: Premier CD rates are available to Power Plus Checking customers. Penalty will be imposed for early withdrawal. Overall APY 1.53%. Rates current as of 9/17/2026.
Offer: Next 6 months (months 13-18). Available to Power Plus Checking customers. Overall APY for full 24-month term is 1.53%. Penalty for early withdrawal.
Qualified rate · 1.50% interest rate · Effective Sep 17, 2026
Rate checked
More details - 1.45%APY$292 over 24 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.45% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (2 year) Balance APY $1,000 – $100,000Your amount 1.45% $100,000 and up$100k+ balance tier. 1.55% Rate checked
More details - 1.25%APY$125 over 1 year on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (1 year) Balance APY $1,000 – $100,000Your amount 1.25% $100,000 and up$100k+ balance tier. 1.35% Rate checked
More details - 1.22%APY$245 over 24 months on $10,000intro rate
Requirements
Product: Penalty will be imposed for early withdrawal. Overall APY 1.22%. Rates current as of 9/17/2026.
Offer: Next 6 months (months 13-18). Overall APY for full 24-month term is 1.22%. Penalty for early withdrawal.
Promotional rate · 1.25% interest rate · Effective Sep 17, 2026
Rate checked
More details - 0.55%APY$222 over 48 months on $10,000intro rate
Requirements
Product: Certificates of Deposit earn a fixed interest rate compounded daily and paid monthly. Early withdrawals are subject to penalty. Personal minimum opening balance is $2,000.
Promotional rate · 0.55% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. Interest compounded annually on CDs over one year. Automatic renewal.
Offer: Penalty for early withdrawal.
Compounded annually · Effective Apr 1, 2024
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Tampa, FL
494 CDs at 40 banks and credit unions · checked Oct 4–22
- Typical
- 3.10%
- Top 10% from
- 4.00%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.45%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Tampa, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 1 branch
- Suncoast Credit UnionCredit union · 30 branches